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To be able to get the best deal on car insurance, one has to understand the factors that are considered when calculating auto insurance rates. Among these are: past claims made by clients, anticipated claim costs, operating expenses and government approved charges. These things are no longer within your control but there are other considerations that insurance companies use to compute for your rates which you can take advantage of. Car insurance companies look at: (1) Driver’s/owner’s profile. Young drivers pay higher premiums because statistics show that they are more likely to meet an accident than the older ones. Furthermore, all things constant, female drivers will usually pay less than the males; (2) Driving record. Insurance premium goes up for drivers with history of traffic violations; (3) Provisions for security of vehicles. Automobile alarms and safe parking location can lower the insurance premium for obvious reason, i.e., there is less chance of unfavorable incidents that can happen to the vehicle. One factor alone may not affect the rate much but a combination may significantly change the insurance rates.